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BFSI

Compliance lives at the agent layer, one conversation at a time. We investigate the distance between policy and branch reality — and what it costs you.

Start With the Leak Scan — ₹25,000–₹40,000 | $400–$600

The Industry

Why this industry leaks the way it does.

Banks, NBFCs, insurers, and fintechs run on trust with a rulebook — and the rulebook is only as real as the farthest branch, the newest agent, and the busiest call window. Mis-selling flags, complaint channels that quietly fail, incentive structures that reward the wrong behaviour: the leaks are behavioural before they are financial.

EWR brings a three-year documented research line for BFSI — a private, named pattern library built for regulated, distributed, agent-led operations. Engagements test your organisation against what the research has already documented. The findings land in your report; the library stays ours.

Rashi Mathur: 17 years of Quality and Training leadership, Six Sigma Master Black Belt, certified POSH professional. Every engagement carries the falsifiability promise in writing — if we find no leak, the report tells you exactly where we looked, what we ruled out, and why. Fixed price. 50% advance, 50% on delivery.

Investigations

Core diagnostic engagements. Don’t know where the leak is? Start with the Leak Scan.

1 Week

The Leak Scan

The entry investigation. One domain — attrition, quality, compliance, or customer experience. Floor interviews, documents, and the leak the dashboard is missing. Fixed price, falsifiable in writing.

₹25,000–₹40,000 | $400–$600

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2 Weeks

CX Leak Audit

The customer journey end to end — where the score you measure and the experience you deliver come apart.

₹25,000–₹75,000 | $300–$900

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2–3 Weeks

Governance & Documentation Leak

Policy vs practice: what the handbook says, what the floor does, and the distance between.

₹50,000–₹2,00,000 | $600–$2,400

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2 Weeks

Exit Intelligence

The resignations you never exit-interviewed, read as evidence of the system that keeps producing them.

₹50,000–₹1,50,000 | $800–$2,500

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2–3 Weeks

Key Person Dependency — up to 50 employees

Map what happens the day your key person resigns — before they do.

₹50,000–₹90,000 | $800–$1,500

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3–4 Weeks

Key Person Dependency — 51–250 employees

Multi-site dependency mapping, full network report.

₹90,000–₹1,50,000 | $1,500–$2,500

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Half Day + Report

Team Pattern Diagnostic

A half-day team session plus the written pattern report. The bridge between a scan and a full audit.

₹75,000–₹1,50,000 | $1,200–$2,500

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4–6 Weeks

Level 1 Diagnostic Investigation

Multi-week, multi-domain: quality, CX, hiring, and governance in one arc.

₹2,00,000–₹5,00,000 | $3,000–$8,000

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8–12 Weeks

Level 2 Full Operational Leak Audit

For 200+ employees: the maximum-depth forensic audit.

₹4,00,000–₹18,00,000 | $6,000–$35,000

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POSH Compliance

Statutory compliance audited like an operation — policy vs floor reality.

2–3 Weeks

POSH Audit

Policy vs floor reality, IC readiness, and the complaint channel that actually works.

₹40,000 | $600

Request Scope Proposal →
Annual

Annual POSH Retainer

Quarterly audit, training refresh, and IC support — all year.

₹50,000–₹1,50,000 | $800–$2,500

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Hiring & Assessment

Screening and hiring investigations for the roles you keep reposting.

Per Batch

Pre-Hire Graphology Screen

Candidate batches screened with our handwriting-based method — consent-based, mapped to role demands.

₹15,000–₹40,000 | $250–$600

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1 Week

Hiring Pattern Audit

The hiring-domain Leak Scan: the role you keep reposting, the interview loop that keeps clearing the wrong candidates, the onboarding week that keeps losing them.

₹25,000–₹40,000 | $400–$600

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Workshops & Training

Sessions that land on the floor, with a written report behind them.

1–2 Days

The Unsaid Job Workshop

Make the Unsaid Said — names what the job never told your team-leaders: how work actually flows, who actually decides, what actually gets rewarded.

₹50,000–₹2,00,000 | $750–$4,000

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Half Day + Report

Team Pattern Diagnostic

A half-day team session plus the written pattern report. The bridge between a scan and a full audit.

₹75,000–₹1,50,000 | $1,200–$2,500

Request Scope Proposal →

Research

Quarterly, evidence-locked Industry Pattern Reports — every claim sourced, every finding dated and defined. The full pattern library lives in the reports and the engagements — not on this page.

BFSI


Reports Available

Pattern intelligence for banks, NBFCs, insurers, and fintech operations.

Available Editions
Retrospective

2024 Retrospective

Full-year analysis of 2024 with hindsight.

₹30,000 | $450

Retrospective

2025 Retrospective

The year the economics changed for this industry.

₹30,000 | $450

2026 Quarterly

Q1 2026

The first quarter of the outcome era.

₹25,000 | $375

2026 Quarterly

Q2 2026

The quarter the restructuring showed.

₹25,000 | $375

2026 Quarterly

Q3 2026

The latest edition.

₹25,000 | $375

Proprietary

Progression Edition 2024–2026

Year-wise benchmark tables and the arc: what escalated, what resolved, what emerged.

₹20,000 | $300

Archive Bundle
Best Value

Archive Bundle — 2024 Retro + 2025 Retro + Progression Edition

The complete backlist: both retrospective editions plus the proprietary progression synthesis. Understand the full 2024–2026 arc in one purchase. Progression Edition included.

₹50,000 | $750

Subscription Options
Subscription

Single Quarter

One quarterly report. Try before subscribing.

₹25,000 | $375

Subscription

Half Year

2 quarterly reports of your chosen industry.

₹45,000 | $675

Subscription • Best Value

Full Annual

4 quarterly reports + annual synthesis + Progression Edition included.

₹75,000 | $1,100

What’s inside every report: Attrition Analysis • Quality Analysis • Compliance Analysis • CX Analysis • Pattern Intelligence Insight by Rashi Mathur • Quarter-Ahead Outlook • Sources & Basis. 10–14 pages per report, delivered by email within 24 hours of purchase.

What the Output Looks Like

One finding from the reports, so you can see the artifact before you order it.

From the compliance analysis: the digital rail carried its shadow economy. UPI ran near 86 per cent of retail payment volumes while the mule-account problem the volume had built ran beneath it. The report reconstructs the loop in seven stages, the account opened through the write-off booked, and dates every stage of it. The counter-pattern sits beside it, named and sourced: the banks that caught the mule window before the regulator did. The finding closes with the line the sector will recognize: the fraud economy runs on the rail the inclusion story rides.

Illustrative excerpt, anonymized and redacted • BFSI Industry Pattern Report, 2025 Retrospective Edition

The full Industry Pattern Reports catalog →

Annual Partnerships

The full-year rhythm: compliance, one or more investigations, and training — scheduled once, done all year.

Annual

Annual Partnership — up to 50 employees

Annual POSH, one Leak Scan, and one training — scheduled and done.

₹1,50,000 | $2,000

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Annual

Annual Partnership — 51–250 employees

Key Person and CX Leak cycles included in the annual rhythm.

₹3,00,000 | $4,000

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Annual

Annual Partnership — 250+ employees

The enterprise rhythm, scoped by written proposal.

₹5,00,000 | $7,000

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Advisory

Fractional quality and operations leadership for BFSI organisations that need senior oversight without the full-time cost. 17 years of Quality and Training leadership, Six Sigma Master Black Belt, certified POSH professional.

2 Days a Month

Fractional Advisory

Senior quality and operations counsel on a monthly rhythm. The sounding board between the audit and the boardroom. Quarterly commitment.

₹40,000–₹75,000 per month | $600–$1,200

Request Scope Proposal →
1–2 Days a Week

Fractional Quality Leadership

Owns your quality rhythm: audits, calibration, the training calendar, the compliance calendar. Senior leadership without the full-time cost.

₹1,00,000–₹1,50,000 per month | $1,600–$2,500

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Retainer

Fractional Compliance Head

POSH and compliance leadership on retainer: policy, IC, training calendar, and the audit rhythm.

₹60,000–₹1,00,000 per month | $900–$1,500

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Request a Scan

Tell us the size, the symptom, and what you need. A written scope proposal with a fixed price arrives within 48 hours.

BFSI Scope Request

A written scope proposal with a fixed price arrives within 48 hours. No sessions needed to start.

Your branches already know.

Find out what it has been trying to tell you — in one week, for a fixed price, with the falsifiability promise in writing.

Request a Leak Scan →